| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | NOVA HEALTHCARE ADMINISTRATORS INC | $39K | — | $39K | 5.85% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | DELTA DENTAL OF KY | $19K | — | $19K | 9.60% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 20.00% |
| WELLNESS OF AMERICA LLC3 | BOX 122 WOODY CREEK, CO 81656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.42% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $769 | — | $769 | 1.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ARIZONA INC | 2800 N CENTRAL AVENUE STE 1100 PHOENIX, AZ 85004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $722 | — | $722 | 1.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | P O BOX 23410 LOUISVILLE, KY 40232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146 | — | $146 | 0.33% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | HUMANA | $2K | — | $2K | 5.93% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | P O BOX 427 BENTON, KY 42025 | HUMANA | $90 | — | $90 | 0.22% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ASH GROUP LLC3 | P O BOX 706 PROSPECT, KY 40059 | PROVIDENT LIFE AND ACCIDENT INS COMPANY | $185 | — | $185 | 1.13% |
| WELLNESS OF AMERICA LLC3 | BOX 122 WOODY CREEK, CO 81656 | PROVIDENT LIFE AND ACCIDENT INS COMPANY | $157 | — | $157 | 0.96% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF ARIZONA INC | 2800 N CENTRAL AVENUE STE 1100 PHOENIX, AZ 85004 | PROVIDENT LIFE AND ACCIDENT INS COMPANY | $81 | — | $81 | 0.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY | P O BOX 23410 LOUISVILLE, KY 40232 | PROVIDENT LIFE AND ACCIDENT INS COMPANY | $24 | — | $24 | 0.15% |
| ASH GROUP LLC3 | 9509 US HWY 42 STE 200 PROSPECT, KY 40059 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INS COMPANY | $137 | — | $137 | 7.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INS COMPANY | $171 | — | $171 | 11.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY INC | 13101 MAGISTERIAL DR STE 200 LOUISVILLE, KY 40223 | AMERICAN HERITAGE LIFE INS COMPANY | $51 | — | $51 | 17.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,023 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,023 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NOVA HEALTHCARE ADMINISTRATORS INC | 1,023 | $663K |
| Dental | DELTA DENTAL OF KY | 1,013 | $195K |
| Vision | HUMANA | 431 | $41K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $191K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $71K |
| Other(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,023 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.